Jamul Indian Village Development Corporation 401(k) Review & Grade
Jamul Indian Village Development Corporation 401(k) Retirement Savings
Jamul, CAPublic Administration1,135 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$623Employer $ per active participant
$1,993Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$17.4MNet plan assets, end of year
$13,673Average balance per account
Score breakdown
- Employer generosity12.1 / 5024th percentile for employer $ per participant
- Low cost7.7 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: all industries, plans with 500–2,499 active participants (fewer than 30 industry peers) (10,919 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 31th |
| Employee saving | 24th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Jamul Indian Village Development put in about $623 per active participant, below the typical peer ($1,749). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.40% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $707,426 |
| Participant (employee) contributions | $2,262,322 |
| Other contributions (incl. rollovers in) | $287,567 |
| Administrative expenses paid from the plan | $60,491 |
| Investment advisory & management fees | $23,532 |
| Benefits paid out | $1,066,642 |
| Net assets, start / end of year | $13.1M / $17.4M |
| Active participants, start / end of year | 1,132 / 1,138 |
| Participants with account balances | 1,274 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $36,959 reported compensation |
| Alliant Insurance Services Inc DBA | $23,532 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260901160520NAL0008254081001, received 2026-09-01, EIN 47-5387551, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.